This privacy policy notice is designed to inform you of the types of information
Select Portfolio Servicing, Inc. ("Company") may maintain or collect during the
course of our relationship with you. It also explains the safeguards we have in
place to protect that information and the circumstances under which we may share
that information with other companies.

Section 1: Information We Maintain or Collect

We maintain and collect nonpublic personal information about you as necessary to
service your loan. We also may maintain or collect information about you to enable
us to provide products, services, and other opportunities that we believe may be
of interest or benefit to you. The following are examples of the types of nonpublic
personal information we maintain or collect:

Information that you provided in writing or verbally in connection with your loan
or applications, or other forms, such as your name, address, social security number,
income, or assets and liabilities.

Information about your transactions with us, our affiliates, or other parties, such
as your payment history, account balance, and parties to transactions.

Information we receive from consumer reporting agencies, such as your credit worthiness
and credit history.

Section 2: Information Sharing with Nonaffiliated Companies

To provide you with efficient service and inform you of opportunities that may be
of interest to you, we may share all or part of the personal information that we
maintain or collect, as described in Section 1, with nonaffiliated companies. UNLESS YOU TELL
US NOT TO DO SO BY SIGNING AND RETURNING THE FORM PROVIDED BELOW IN SECTION 7, we may share
this information with the following types of nonaffiliated companies, among others:

PLEASE NOTE THAT WE MAY ALSO SHARE NONPUBLIC PERSONAL INFORMATION ABOUT YOU, AS
DESCRIBED IN SECTION 2, WITH COMPANIES THAT PERFORM SERVICES ON OUR BEHALF OR TO
COMPANIES WITH WHICH WE HAVE JOINT MARKETING AGREEMENTS, EVEN IF YOU SIGN AND RETURN
THE OPT-OUT FORM PROVIDED. WE RESERVE THE RIGHT TO DO SO, NOTWITHSTANDING YOUR OPT-OUT,
WHERE SUCH SHARING IS INCIDENTAL TO SERVICING YOUR LOAN OR THE PROVISION OF OTHER
PRODUCTS OR SERVICES TO OUR INDIVIDUAL CUSTOMERS.

California Residents

If you are a California resident, there is a separate document outlining your privacy
rights and choices that complies with California law. You may
print, fill out, and mail
to us the California-specific form. This document allows you to opt out of NPI sharing
with affiliates and companies we do business with to provide financial products and services.
If you are a California resident, we will never provide your nonpublic personal information
to nonaffiliated companies.

Vermont Residents

If you are a Vermont resident, we will not disclose information about your creditworthiness
to our affiliates and will not disclose your personal information, financial information,
credit report, or health information to nonaffiliated third parties to market to you, other
than as permitted by Vermont law, unless you authorize us to make those disclosures.

Section 3: Information Sharing with Our Affiliates

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Under the federal Fair Credit Reporting Act, there is certain information about
you that we may not share with our affiliates if you tell us not to by signing and
returning the form provided below. This information
may include, among other things, the following:

Information we obtain from your loan application, such as your income, assets and
liability information, and marital status;

Information we obtain from a consumer report, such as your credit score or credit
history;

Information we obtain to verify representations made by you, such as other financial
obligations you may have; and

Information we obtain from a person or company regarding that person’s or company’s
employment, credit or other relationship with you, such as your current employment
relationship or what debts you owe.

The categories of affiliated companies who may receive the above information include:

Financial service providers, such as an insurance agency; and

Non-financial companies, such as companies that perform property evaluation services.

Please note that even if you direct us not to share the information described
in Section 3, we are permitted to share with our affiliates information about transactions
or experience between you and us.

Under law, we may disclose nonpublic personal information about you that we maintain
or collect, as described in Section 1, to companies that perform services on our
behalf or to other financial institutions with which we have joint marketing agreements.
The categories of third parties providing these services may include, among others
the following:

Financial service providers such as credit card issuers, finance companies, insurance
agencies or companies, banks and mortgage companies; and

We restrict access to nonpublic personal information about you to those employees
who need to know that information and to those companies or individuals that provide
services to us, and in order to provide or offer products or services to you. We
maintain physical, electronic, and procedural safeguards that comply with federal
regulations to guard your nonpublic personal information.

Section 6: Former Customers

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Our privacy policy for nonpublic personal information about former customers is
the same as our policy for current customers.

Section 7: Your Right to Opt Out

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You may opt out and thereby limit our use of your personal non-public information
detailed above.

Information knowingly provided by the visitor in on-line forms, registration forms
and surveys (“Registration Data”), and

A user specific information on what page visitors access

Select Portfolio Servicing, Inc. also places or reserves its right to place Internet
cookies on visitor’s hard drives. Internet cookies save the visitor’s name, password,
user-name, screen preference, the page of the Company’s website viewed by the visitor,
and the advertisements (if any) or links viewed or clicked by the visitor. When
the visitor revisits Select Portfolio Servicing, Inc.'s website, the Company will
recognize the visitor by the Internet cookie and may customize the visitor’s experience
accordingly. Internet cookies are stored on the visitor’s hard drive and are not
stored, in any form, by Select Portfolio Servicing, Inc. Visitors may decline the
Internet cookie by using the appropriate feature of the Web client software, if
available.

Section 9: User Access to Information Collected

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Select Portfolio Servicing, Inc. may require visitors and / or customers to provide
certain identifying information (“Registration Data”) in order to access certain
services (e.g., online payment rights) and information or restricted areas within
its website. Such information would be found in our online registration forms. This
information may include your legal name, address, telephone number, e-mail address,
screen name, area of interest, passwords, methods of payment, and credit card number(s).
Select Portfolio Servicing, Inc. reserves the right to request any additional information
necessary to establish, verify or maintain your account incidental to the exercise
of on-line payment options, and other interactive customer service options. Registration
Data is the property of Select Portfolio Servicing, Inc. subject to and protected
by the Electronic Communications Privacy Act. Select Portfolio Servicing, Inc. will
not sell, rent, swap, or otherwise disclose your Registration Data to any third
party, except as provided herein. Select Portfolio Servicing, Inc. maintains a secure
area on this site for the transmission of Registration Data, and stores all Registration
Data in a private database not connected to the Internet. Unless you “opt out”,
Select Portfolio Servicing, Inc. reserves the right to use your Registration Data
to send you information about Select Portfolio Servicing, Inc. and products and
services of potential interest to you, as detailed above. You may access your Registration
Data at any time by contacting Select Portfolio Servicing, Inc. via postal mail,
e-mail, or phone in which event you will either be provided with a hard copy or
password protected access to a summary of any personal information retained by the
Company regarding you.

Section 10: Lost or Stolen Information

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If your password is stolen or used without your permission, immediately notify Select
Portfolio Servicing, Inc. Upon notification, Select Portfolio Servicing, Inc. will
cancel your password and update your records. You may be unable to access certain
information or services until Select Portfolio Servicing, Inc. processes the change.

No Liability for Acts of Third Parties

Although Select Portfolio Servicing will use all reasonable efforts to safeguard
the confidentiality of Registration Data and your personal non-public information
consistent with these privacy practices and policies, transmissions made by means
of the Internet cannot be made absolutely secure. Select Portfolio Servicing will
have no liability for the disclosure of Registration Data or personal non-public
information due to errors in transmission or unauthorized interception or acts of
third parties.Although Select Portfolio Servicing, Inc. will use all reasonable
efforts to safeguard the confidentiality of Registration Data and your personal
non-public information consistent with these privacy practices and policies, transmissions
made by means of the Internet cannot be made absolutely secure. Select Portfolio
Servicing, Inc. will have no liability for the disclosure of Registration Data or
personal non-public information due to errors in transmission or unauthorized interception
or acts of third parties.

Section 11: Use of Aggregated Information

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Select Portfolio Servicing, Inc. reserves the right to disclose to third parties
aggregated information about visitors’, subscribers’, or customers’ usage of this
website and any related services including information gathered during your use
of the site using “cookies.” Select Portfolio Servicing, Inc. reserves its right
to publish information in the form of aggregated data (such as overall patterns
or demographic reports) that does not describe or identify the individual user,
irrespective of whether you exercise your opt out rights hereunder.

Collection of Personal Data from Children

Select Portfolio Servicing, Inc. will not intentionally collect or post information
from children under the age of sixteen (“Children” or “Child”) without their parent’s
or guardian’s consent. Select Portfolio Servicing, Inc. does not intentionally provide
any personal identifying information collected from Children, regardless of its
source, to any third party for any purpose whatsoever. When a Child submits information
to the Company’s website, the Company endeavors to send an e-mail to the Child’s
parent or guardian alerting them to the Child’s registration and providing them
with instructions on how the parent or guardian can delete the Child’s registration,
if so desired. No information collected from Children is used for any marketing
or promotional purposes whatsoever, either inside or outside the Company.

Company’s Right to Contact Users

Select Portfolio Servicing, Inc. reserves the right to contact site visitors regarding
loan serving issues, account status, or other matters relating to the terms and
conditions of use, privacy practices and policies, or use of this site.

Updates

Select Portfolio Servicing, Inc. reserves the right to change or update the Privacy
Practices and Policies, or any other policy or practice of the Company, at any time
upon reasonable notice to users of the site. Any change or update will be noted
and posted to the site.

SPS may provide links to external websites to which we have no control over the
content or accuracy. These websites are provided solely for your convenience. Please
contact the administrators of such websites with any questions or concerns regarding
those websites.